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Beginning on Monday, September 17, 2018 at 8 a.m. ET , you can make your changes for 2019 through the Self-Service Benefits feature of Employee Self-Service or complete a 2019 Open Enrollment Active Election Form .
Rates for 2019
For all group insurance plan participants
MCG will continue to offer the same excellent plans for 2019; however, there will be rate increases for some plans. For details, see the 2019 rate sheets available under the Materials tab.
New Benefits Changes at-a-Glance
Beg inning January 1, 2019, the following changes will be made to MCG's benefits lineup:
- New vison, dental, and life insurance carriers will be introduced to keep any plan premium increases to a minimum for both MCG and employees. Your benefits will remain the same and, in some cases, be enhanced to include more features.
- You and your dependents will be automatically enrolled with the new carriers under the same coverage you currently have unless you make a benefits change during open enrollment.
- Vision and dental plan participants will need to check the new carrier's website (or contact them by phone) to ensure your current provider participates in the plan. If not, you can choose a new provider from the new carrier's network.
- In late December, new ID cards will be sent to all vision and dental plan participants.
- The Healthcare FSA annual maximum contribution will increase by $100 to $2650 per year.
To enroll: Complete a 2019 Open Enrollment Health and Life Insurance Active Election Form and submit it to OHR. All Open Enrollment changes must be received by OHR at the close of business Friday (5 PM EST) on October 5, 2018 at the latest.
New Vision Plan Carrier with Hearing Benefits: EyeMed
Effective January 1, 2019, EyeMed will be MCG's vision plan vendor. To search for participating providers, visit www.eyemed.com . For tips on using EyeMed's online provider directory, click here . Examples of participating providers are Lens Crafters, Pearle Vision, JCPenney Optical.
Also, with EyeMed's partner Amplifon, the nation's largest independent hearing discount network, MCG will offer enhanced hearing benefits. The new discount will provide:
- 40% off hearing exams at thousands of locations around the country.
- Discounted, set pricing on thousands of hearing aids, including the latest technology to hit the market.
- Low price guarantee --- if you find the same product at a lower price, Amplifon will beat it by 5%.
- 60-day hearing aid trial period with no restocking fees.
- One-year free follow-up care with unlimited appointments.
- Free batteries for two years with initial purchase.
- Three-year warranty and loss and damage coverage.
- The two-year late entrant waiting period has been removed. You no longer need to wait two years to join the vision plan - you can join during Open Enrollment effective January 1, 2019.
- You and your dependents will be automatically enrolled with EyeMed under the same coverage you have unless you make changes during Open Enrollment.
New Dental Plan Carrier: CIGNA
Effective January 1, 2019, CIGNA will be MCG's dental plan carrier. Employees may continue to elect one of two dental plans: PPO or DHMO. To search for participating providers, visit www.cigna.com and select from the correct network below:
- CIGNA PPO - use the Total CIGNA PPO network to receive in-network benefits.
- CIGNA DHMO - you must use the CIGNA Dental Care-Access Plus network to receive benefits.
Important notes:
- No more two-year waiting period. If you previously waived Dental coverage, you can now enroll into the Dental plan this Open Enrollment period and will be effective January 1, 2019.
- You and your dependents will be automatically enrolled with CIGNA under the same coverage you have unless you make changes during Open Enrollment.
New Life Insurance Vendor: MetLife
Effective January 1, 2019, MetLife will be MCG's life insurance carrier for Basic Life, Accidental Death and Dismemberment(AD&D), Optional Life and Dependent Life Insurance. By changing to MetLife, MCG will offer the following new value-added services for all employees enrolled in Optional Life and Dependent Life insurance.
- Will Preparation Services offers you or your spouse unlimited face-to-face or telephone meetings with an attorney from Hyatt Legal Plans' to prepare or update a will, living will, and Power of Attorney.
- WillsCenter.com helps you or your spouse/domestic partner prepare a will, living will, Power of Attorney and HIPAA Authorization form online.
- Estate Resolution Services provide estate representatives and beneficiaries with unlimited face-to-face legal assistance with probating your or your spouse's estates. Beneficiaries may also consult an attorney from Hyatt Legal Plans' network of participating attorneys.
- Funeral Assistance Services help simplify the funeral planning process for your loved ones and beneficiaries with assistance in locating funeral homes, florists and local support group. You will also receive 10% off funeral services.
- Grief Counseling provides you and dependents up to five private counseling sessions, in-person or by phone, with a professional grief counselor to help cope with a loss whether it be a death, illness or divorce.
Important notes:
To enroll in or increase your Optional Life coverage, you must complete an online Statement of Health including a 2019 Health and Life Insurance ACTIVE - Election Form. MetLife will email you a link to complete the online Statement of Health shortly after Open Enrollment.
Healthcare FSA Annual Limit Increase
Starting January 1, 2019, MCG will raise the Healthcare Flexible Savings Accounts (FSA) annual limit by $100.00 to the IRS maximum amount of $2,650.00. The FSA enables eligible employees to use pre-tax dollars, up to the maximum, to pay for qualified medical expenses.
How it works: Your annual elected amount is deducted from each pay period pre-tax and placed in your Healthcare FSA. You can then use your FLEXEXPRESS debit card to pay for IRS eligible expenses such as copays, deductibles, dental work, glasses and contact lenses, orthodontia, and other medical, dental, vision, and hearing products and services. Here is an expanded but not all-inclusive list of eligible expenses.
In addition to the Healthcare FSA, MCG continues to offer the following money-saving FSAs:
Child Care FSA: For expenses related to your child under age 13 such as care away from home, child care in your home, before and after school programs, summer day camps and adult day care.
Commuter Choice Mass Transit FSA: For work-related mass transit expenses, such as bus, rail, subway, ferry, UberPool, VanPool, Lyft Line. Enrollment in this plan can occur throughout the year and is not impacted during Open Enrollment.
Important Reminder:
- You must make a new Child Care or Health Care FSA election each year. To enroll or re-enroll in the Health Care FSA or Child Care FSA for 2019, use the online Self-Service Benefits system (or paper Election Form) and make your election by Friday, October 5, 2018 .
- Enrollment in the Commuter Choice Mass Transit FSA is not available via the Self-Service Benefits system. Instead, complete a 2019 Health and Life Insurance Active Election Form and submit it to OHR by Friday, November 16, 2018 to begin this program for January 2019 deductions. Forms received after that date will be effective February 2019.
The Self Service Benefits system will be available beginning 8 a.m. on
Monday, September 17th.
Please read the following instructions carefully. Remember, online changes override any paper submissions. Important: If you want to add a dependent who works for or is retired from the County, you must contact the OHR Health Insurance Team via the MC311 OHR Customer Service Center at 240-773-6471. You cannot use the Self Service Benefits system to make that change. For more assistance, see the Self-Service Benefits FAQs .
- Select the "Enroll Now" button at the top of this page.
- At the Single Sign On / AccessMCG screen, enter your username and password. (Forgotten your password? Click on the "Forgot My Password" link to reset it. If you experience other issues logging on, contact the Computer Help Desk at 240-777-2828.)
- Select "Employee Self Service (ESS)."
- Open the "MCG HR Employee Self-Service" folder.
- Select the "Self-Service Benefits" link.
- Carefully follow the prompts on each screen to make your changes.
- Review and print your online Confirmation Statement.
- To protect your information, log off the system by pressing "Logout" at top right.
- If additional paperwork is required (see your Open Enrollment Guide ), make a copy for your records. Then, enclose a copy of your online Confirmation Statement and fax or mail the documents so they are received by the deadline:
OHR Health Insurance Team
101 Monroe Street, 7th Floor
Rockville, MD 20850
FAX: 240-777-5131
Below are tools designed to help you make informed health insurance decisions for 2019. All Open Enrollment submissions – online or paper – must be received by the Office of Human Resources in one packet by 5 p.m. ET on Friday, October 5, 2018 . This includes any required additional documentation, such as certification to add a dependent. Open Enrollment is generally the only time of year you can make changes to certain benefits, or enroll or re-enroll in Flexible Spending Accounts (FSAs). To make your changes for 2019 follow the steps In your Open Enrollment Guide . Changes made during this fall's Open Enrollment period will be effective January 1, 2019.
Forms & Required Documentation
2019 Open Enrollment Active Election Form
2019 Open Enrollment Participating Agency Election Form
Beneficiary Forms
Domestic Partner Dissolution Form
Required Documentation & Dependent Eligibility
Vital Records (birth, death, marriage or divorce records)
2019 Open Enrollment Statement of Health (SOH) Form
Rates
2019 Rate Sheet for Employees
2019 Rate Sheet for 10-Month Employees
2019 Rate Sheet for Participating Agencies
New Carriers for 2019
CIGNA PPO Benefit Summary
CIGNA DHMO Fee Schedule
EyeMed Vision Summary
MetLife Optional Life Summary
2019 Group Insurance Contacts
Note: For current 2018 carriers, visit the OHR Benefits website.
Calculators
Life Insurance Need Estimator
Flexible Spending Account Need Estimator
Presentations
Open Enrollment Presentation
Other Important Resources
Open Enrollment Guide (mailed to homes)
Active Health Insurance Page
Active Employee Self-Service Instructions
Participating Agency AccessMCG Account Registration Instructions
Participating Agency Self-Service Instructions
Self-Service FAQs
Benefits Fairs
Plan representatives for the MCG’s vendors, as well as OHR Health Insurance Team members, will be available onsite to answer questions. Expect fun, health stations, door prizes and raffles.
9/26: 11 a.m. - 2 p.m.
9/27: 11 a.m. - 2 p.m.
Executive Office Building (Terrace Level)
101 Monroe Street
Rockville, MD 20850
Open Enrollment Lab Sessions
OHR Health Insurance Team members will be available onsite to assist in
processing your Open Enrollment changes online.
10/2: 8 a.m. - Noon
Executive Office Building (7th Floor)
101 Monroe Street
Rockville, MD 20850
10/4: 1 p.m. - 5 p.m.
Executive Office Building (7th Floor)
101 Monroe Street
Rockville, MD 20850
Q&A Sessions
OHR Health Insurance Team members will be available onsite to answer questions you may have.
9/20: 11 a.m. - 2 p.m.
Public Safety HQ
100 Edison Park Drive
Gaithersburg, MD 20878
9/25: 11 a.m. - 2 p.m.
Gaithersburg RideOn - Bldg 1, Gate 2
16624 Crabbs Branch Way
Gaithersburg, MD 20855
10/2: 11 a.m. - 2 p.m.
Rockville Library (First Floor)
21 Maryland Avenue
Rockville, MD 20850
10/2: 11 a.m. - 2 p.m.
HOC
10400 Detrick Avenue
Kensington, MD 20895
10/3: 11 a.m. - 2 p.m.
Public Safety HQ
100 Edison Park Drive
Gaithersburg, MD 20878